Our Story

Over 100+ years ago, we perfected the art of high-touch service
and personalized care. Today we are revolutionizing community
banking, dedicated to bringing new technology, common
sense thinking, innovation, and ease to our customers.

Our Mission

We support entrepreneurs because we are entrepreneurs.
Citizens State Bank was founded on the belief that personalized
care with quality products and services should be accessible to everyone.
We are dedicated to providing effective banking solutions that are
tailored to your needs.

Our Values

We bring entrepreneurial and common sense values to banking.
The values of the local community are reflected in the values of the
bank: extraordinary customer service, hard work, a sense of urgency,
relationship-focused, entrepreneurship, and solution-oriented.

Our culture is rooted in hospitality and our team treats every customer
as if they are an owner of the bank. If you need deposit or credit products,
we invite you to apply with us.


In 1910 The Citizens State Bank of Ontonagon began its story. At its inception, the bank’s goal was to improve customers’ financial lives and enrich the local community it served.  More than 110 years later, our commitment remains the same, but our vision of delivering on that promise has evolved.

Our Next Chapter

In 2020 a southeast Michigan entrepreneur had the vision to provide top-notch financial solutions and access to consumers and businesses throughout Michigan. They accomplished this by hiring the best people to run the bank, investing in robust digital banking solutions, and deciding to move the headquarters and open a second branch in Royal Oak.

As we continue to grow, we stay focused on enhancing our banking products and services to provide our customers with a suite of financial solutions customized to their needs. Whether you’re a first-time homebuyer or a business looking for capital, our ultimate goal is to provide customized banking solutions.

President’s Message

Why bank with us? Quite simply, it’s because we’re not your typical bank. We offer the technology and product offering of a large bank, the personal relationships of a small-town bank, and the extraordinary customer service of a private bank. Whether you come into a branch, only use our digital services, or take advantage of our business concierge service, we want to be the premier provider of community banking by making it easy, keeping it local, and focusing on our customers’ needs.

-Dan Fischer, President & CEO